Bank OZK (STU:BO8) Cyclically Adjusted Book per Share: €35.66 (As of Mar. 2026)


STU:BO8 Bank OZK STU:BO8
82 GF Score
Price €44.31
GF Value €42.57
Valuation Fairly Valued
! 4 Warning Signs
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What is Bank OZK Cyclically Adjusted Book per Share?

Bank OZK STU:BO8 +1.89% 82 Cyclically Adjusted Book per Share is €35.66 as of Mar. 2026. GuruFocus rates STU:BO8 with a GF Score™ of 82/100 and a GF Value™ of €42.57 (Fairly Valued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Bank OZK's adjusted book value per share for the three months ended in Mar. 2026 was €46.009. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €35.66 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bank OZK's average Cyclically Adjusted Book Growth Rate was 11.60% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 12.70% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 15.40% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 19.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Bank OZK was 27.30% per year. The lowest was 12.70% per year. And the median was 19.20% per year.

As of today (2026-06-24), Bank OZK's current stock price is €44.31. Bank OZK's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €35.66. Bank OZK's Cyclically Adjusted PB Ratio of today is 1.24.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Bank OZK was 6.83. The lowest was 0.91. And the median was 1.68.


Bank OZK  (STU:BO8) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Bank OZK's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=44.31/35.66
=1.24

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Bank OZK was 6.83. The lowest was 0.91. And the median was 1.68.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Bank OZK Cyclically Adjusted Book per Share Related Terms


Bank OZK Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Bank OZK's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bank OZK Cyclically Adjusted Book per Share Chart

Bank OZK Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20.71 26.07 29.01 34.01 33.96

Bank OZK Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 34.17 32.44 33.29 33.96 35.66

STU:BO8 vs ASB, AUB, HOMB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Bank OZK's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Bank OZK Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bank OZK's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Bank OZK's Cyclically Adjusted PB Ratio falls into.


STU:BO8
82GF Score
Bank OZK STU:BO8
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank OZK Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Bank OZK's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=46.009/330.2130*330.2130
=46.009

Current CPI (Mar. 2026) = 330.2130.

Bank OZK Quarterly Data

Book Value per Share CPI Adj_Book
201606 15.270 241.018 20.921
201609 20.274 241.428 27.730
201612 21.823 241.432 29.848
201703 22.098 243.801 29.930
201706 22.634 244.955 30.512
201709 21.829 246.819 29.204
201712 22.795 246.524 30.533
201803 22.238 249.554 29.426
201806 24.052 251.989 31.518
201809 24.346 252.439 31.847
201812 25.769 251.233 33.870
201903 26.650 254.202 34.619
201906 27.407 256.143 35.332
201909 28.718 256.759 36.934
201912 28.967 256.974 37.223
202003 28.574 258.115 36.555
202006 28.220 257.797 36.147
202009 27.479 260.280 34.862
202012 27.150 260.474 34.419
202103 28.384 264.877 35.385
202106 28.804 271.696 35.008
202109 30.044 274.310 36.167
202112 31.728 278.802 37.579
202203 32.205 287.504 36.989
202206 33.928 296.311 37.810
202209 36.026 296.808 40.081
202212 35.049 296.797 38.995
202303 35.897 301.836 39.272
202306 36.472 305.109 39.473
202309 37.804 307.789 40.558
202312 38.901 306.746 41.877
202403 39.967 312.332 42.255
202406 41.501 314.175 43.620
202409 41.725 315.301 43.698
202412 45.172 315.605 47.263
202503 44.672 319.799 46.127
202506 42.995 322.561 44.015
202509 43.531 324.800 44.256
202512 44.802 324.054 45.654
202603 46.009 330.213 46.009

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €35.66 mean?
Bank OZK (STU:BO8) has a Cyclically Adjusted Book per Share of €35.66 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Bank OZK and its competitors.
Is Bank OZK's Cyclically Adjusted Book per Share too high?
Bank OZK's current Cyclically Adjusted Book per Share is €35.66. Overall, Bank OZK has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank OZK's Cyclically Adjusted Book per Share compare to ASB and AUB?
Bank OZK's Cyclically Adjusted Book per Share of €35.66 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Bank OZK and its competitors. Bank OZK's current Cyclically Adjusted Book per Share is €35.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank OZK stock overvalued right now?
Based on GuruFocus' analysis, Bank OZK (STU:BO8) is currently considered Fairly Valued. The stock's GF Value™ is €42.57, compared to a current price of €44.31 — trading 4.1% above its estimated fair value. The current Cyclically Adjusted Book per Share is €35.66. Bank OZK's overall GF Score™ is 82/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Bank OZK (STU:BO8), the current Cyclically Adjusted Book per Share is €35.66 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bank OZK (STU:BO8) Overvalued in 2026?

Based on GuruFocus' analysis, Bank OZK stock appears to be overvalued. The current stock price of €44.31 is trading 4.1% above its estimated GF Value™ of €42.57. GuruFocus considers Bank OZK to be Fairly Valued.

Key valuation signals for STU:BO8:

  • Cyclically Adjusted Book per Share: €35.66
  • GF Value™: €42.57 vs. price of €44.31 (4.1% above fair value)
  • GF Score™: 82/100 with 4 warning signs

No single metric tells the full story. See the STU:BO8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank OZK Business Description

Address 18000 Cantrell Road, Little Rock, AR, USA, 72223
Bank OZK is a bank holding company that owns and operates a community bank, Bank of the Ozarks. The bank operates offices in Arkansas, Georgia, Florida, North Carolina, Texas, California, New York and Mississippi. It provides banking services, including checking, savings, money market, time deposits, and individual retirement accounts, as well as loan services, such as real estate, consumer, commercial, and industrial loans. Apart from providing traditional banking products and services, it also provides trust and wealth management, financial planning, online banking, and other related services.
82GF Score

Get the complete analysis for STU:BO8

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€44.31
Price
€42.57
GF Value